The Average Life Expectancy in the U.S. is 78.2 Years

Is your family in a position to cover costs when you pass away? Proper life insurance coverage is important to the future of your family. With a life insurance package from Banas & Fickert Insurance Agency, you get value and peace of mind.

At Banas & Fickert Insurance Agency, we offer a variety of life insurance options to fit your needs:

Term – With term life insurance you are covered for a specific, pre-determined amount of time. Premiums are lower than other types, but can fluctuate once the term is expired.

Whole – Do you want to be covered for your entire life? With whole life insurance, you are covered through your life, without an expiration date. On top of that, the policy can accrue equity.

Universal – With universal life insurance, you can accrue cash value that can be borrowed against. Premiums for this insurance are paid into a policy account and it earns interest. As long as the cash value of the policy is enough to cover monthly deductions, the policy is active. There is also flexibility of being able to change the amount covered and the monthly premiums.

Group – Whether you own a company or have another group of individuals that you would like to have insured, you will want to consider a group policy. The policy is created by determining the size and stability of the group, instead of the insurability of individuals in the group.

Life insurance comes with many questions. We are here to help. Whether you have questions about how life insurance works, you want to know more about a specific type of insurance, or you want a quote, give us a call at 413-527-2700. We want to ensure you have the best experience when selecting your insurance and, because of that, we take the time to explain your options. No matter what type of life insurance you need, we will help you get the right package.